Pengaruh Perceived usefulness, Perceived ease of use, dan Perceived security terhadap Continuance Intention melalui Trust
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Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh Perceived usefulness, Perceived ease of use, dan Perceived security terhadap Continuance Intention dalam menggunakan layanan bank digital SeaBank, dengan Trust sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 270 responden pengguna aktif SeaBank. Analisis data dilakukan menggunakan teknik Partial Least Square–Structural Equation Modeling (PLS-SEM) melalui SmartPLS 4.0. Hasil penelitian menunjukkan bahwa Perceived usefulness (β = 0,298; p < 0,001), Perceived ease of use (β = 0,231; p < 0,001), dan Perceived security (β = 0,189; p < 0,001) berpengaruh positif dan signifikan terhadap Trust. Selanjutnya, Trust memiliki pengaruh signifikan terhadap Continuance Intention (β = 0,531; p < 0,001). Namun, Perceived usefulness dan Perceived ease of use tidak berpengaruh langsung terhadap Continuance Intention. Nilai Adjusted R² untuk variabel Trust adalah 0,611 dan untuk Continuance Intention sebesar 0,684, yang menunjukkan bahwa model ini mampu menjelaskan variansi kedua variabel secara substansial. Temuan ini menegaskan pentingnya Trust sebagai mediator dalam mempertahankan loyalitas pengguna layanan digital.
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